12 Aug 08 Ripped off for $1798 from GISOL and HSBC wont help
Has anyone had any luck with dealing with their credit card companies on this? Everyone I spoke to at HSBC agreed with me that they believe I was scammed by GISOL but they are telling me there is nothing they can do about it. I sent them every bit of information including the police reports I filed, copies of an original order from GISOL for one years of service. I pointed them to Robert Jackson a Californian District Attorney who is currently investigating them. (If you haven’t called him yourself, please do 213-580-3324).
HSBC sent me a letter today saying that there was nothing else they could do for me as I had disputed the charge as an “unauthorized charge not a mischaracterized charge”. Their words, I shit you not! How can HSBC say they made a good faith attempt at recovering these funds? Its obvious fraud.
Any suggestions on how to deal with the credit card company?
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Sorry, but due to Gisol trying to post comments, they are now being moderated. They will appear ASAP.
I have had exactly the same experience with Scotia Bank - they refuse to give me any refund because they cant get the money back from Gisol. This is all regardless of Gisols history and any current investigations. I have already cancelled my card and I will be moving my accounts to another bank.
I am also talking to a lawyer to get his advice.
Did you ultimately end up paying the false charges?
i am still disputing them, but they have put the charges back on my account, they claimed they escalated my dispute and its being reviewed but it is still on my account, there hasn’t been a payment due yet, i think i will be filing a complaint with the Office of the comptroller of the Currency against HSBC, and will be looking for an attorney. I really feel that HSBC is trying to weasel out of their obligations under the Fair Credit Billing Act.
Well, I got scammed the same way everyone else did with $1798.20. But I got Chase credit card to charge back within 10 days of the phony charges. Then a month later, Chase said that Gisol gave them “documents” showing that I signed the invoice and then they forwarded those documents to me. I managed to use photoshop to unscale and prove that gisol copied and pasted my signature in two separate pieces of “documents.” One was the phony contact and the other was an invoice that I agreed to pay $1798.20. On top of that, Gisol put a time stamp on my signature and another time stamp on the amount in the same invoice but luckily, they goofed and put the signature time 3 hours before the amount time. I was able to convince Chase that they faked it and also included links to this site and many others denouncing gisol’s frauds as well as the BBB-LA charter’s site. Another month and a half went by and the dispute went to arbitration and gisol lost. I never had to pay the phony charges. But chase refused to file charges to law enforcement agencies, saying I have to do it with my own state’s attorney general.
Anyway, you could try to get your bank to send you the rebuttals from gisol if there is one and see what you can find. Chase never seemed to question gisol’s rebuttals and accepted that if there is a signature on the paper, it must be real. Chase never scrutinize it but forwarded it to me, putting the burden of proof on the customer instead of the merchant.
FYI, the dates of my dispute corresponds to one of the posting here by the web master that Chase spent hours looking at this site.
I had reported gisol to BBB-LA and they investigated but ultimately, never post my complaint. I am looking into filing with IC3, the internet crime complaint bureau. They also work with the FBI, the National White Colar Crime Center and the Bureau of Justice Assitance.
Ok, goodluck. If you or anyone wants to know what Gisol’s fake documents look like, email me and I will send you a copy.
Henri
nicehyena[at]yahoo[dot]com
i finally got my money back! i sent a letter to head of the General Counsel at MasterCard international explaining the details, that they had a fraudulent merchant in their system, and the difficulty i was having with my bank HSBC. I also copied the head counsel at HSBC. As soon as HSBC counsel got the copy of the letter the letter i sent to mastercard international they called me. it was a very nervous woman from the presidents office of HSBC who seemed surprised i had contacted mastercard international general counsel, and she had the charge reversed, permanently
i did all of this at the advice of a friend of a person with a very high position in the credit card industry, he said that it would get their attention quickly, the banks who use the master card logo have agreement with master card international to honor their zero liability fraud protection, HSBC’s last response to me that it wasnt fraud but a mischaracterized charge was outrageous and i included a copy of it to what i sent to mastercard international
maybe this can be booked marked for people who used mastercard:
Noah J. Hanft, Esq
General Counsel
Mastercard International
2000 Purchase Street
Purchase NY 10577
if they get enough of these letters, maybe they will pull Gisol’s merchant account, if they are not already in the process
like i said earlier, mail this guy along with the general counsel of your own bank if they are not helping you